Lost 20 lbs and now thighs are rubbing together? (losing, muscle, elliptical)

[Adriank7]

I thought that happens when you gain weight but I lost it (confirmed on my scale and dr scale). I’m assuming it’s just lose skin? I noticed it on my arms also. I walk and/ or go on the elliptical everyday so I would think that would build muscle. I know lose skin happens when you loose a large amount of weight but I’ve lost only 20 and want to lose 30 more. Am I losing muscle tone or something and that is causing my thigh issues?

[Mikala43]

Not sure about the rubbing, but the elliptical and walking are not going to really build muscle, some dedicated weight lifting in increasing increments will firm things up.